Efficient investments,
free from conflicts of interest.
Investing should not be a source of anxiety or concern. You deserve a transparent strategy, custom-built for your actual life goals. No expensive products or hidden commissions: just pure advice by your side.
Three pillars for your financial peace of mind
Fee-Only: Zero Conflicts
The independent advisor does not sell products and does not receive commissions from banks. I am compensated solely by you via a flat fee, guaranteeing select and impartial recommendations.
Maximum Efficiency (ETFs)
I build your portfolio with low-cost passive instruments (ETFs). I reduce hidden bank fees by up to 90%, letting compound interest work entirely for you.
Scientific Asset Allocation
Based on scientific evidence and your actual emotional and financial capacity to bear market fluctuations, I define a balanced allocation across various investment classes.
Service Flow
A structured 5-step journey, clear and stress-free, to transform your savings into a generator of security and freedom.
Portfolio Audit
I analyze your current investments, highlighting hidden costs, tax inefficiencies, and undeclared real risks.
Risk Profile
I scientifically define your risk tolerance, balancing wealth requirements with your emotional peace of mind.
Strategic Planning
I build an asset allocation plan with portions targeted at precise goals (Liquidity, Growth, Retirement).
Guided Implementation
I provide you with operational instructions for purchasing ETFs. You buy independently through your bank, in total security.
Rebalancing
I monitor portfolio performance over time and intervene periodically to correct deviations caused by market movements.
Hidden Banking Costs Simulator
Many banks apply annual management costs exceeding 2% in a virtually invisible way. Calculate how much it actually costs you to maintain traditional funds compared to independent advisory.
Annual Cost in Bank
€ 2,200
Annual Cost Independent (0.7% costs)*
€ 700
Your Annual Savings
€ 1,200
Estimated savings in 10 years (with 4% compound interest)
€ 14,400
By reducing management fees and reinvesting savings, this sum remains in your hands instead of paying bank sales networks.
*Estimated independent plan cost including both internal instrument costs (e.g. ETFs) and the advisory service fee combined.
Frequently Asked Questions on Investments
Do I have to move my account or give you control of my money? ↓
Absolutely not. I operate as an independent advisor, which means I never touch your money. I only provide advice. You execute transactions directly through your bank (or through efficient trading accounts that I will help you choose), keeping full possession of your keys.
What makes ETFs better than bank mutual funds? ↓
ETFs (Exchange Traded Funds) faithfully replicate a market index with average costs of 0.15% - 0.25% per year. Bank mutual funds have management fees often exceeding 2.5% per year and include entry or performance fees. This cost difference, when compounding interest, translates to tens or hundreds of thousands of euros saved over time.
How is the cost of investment advisory calculated? ↓
Independent advisory is compensated via fee ("fee-only"). This can be based on a flat rate or an annual percentage of monitored wealth. It is always agreed upon before starting and is completely transparent: you will know exactly what you spend before signing the contract.
Looking for comprehensive wealth protection?
Investment advisory is just one piece of the puzzle. If you want to integrate investments, retirement, insurance coverage, and succession into a single harmonious plan, discover our integrated service.
Discover 360° Financial Planning →Start making your money work for you
Request an initial independent portfolio analysis. I will highlight the hidden costs penalizing your returns.